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Generally, cds come with a fixed interest rate, but variable rate certificates of deposit (vrcds) offer an adjustable apy Some banks even offer different cd types, like a cd where you can raise your apy or. Vrcds may be unfamiliar to some, but they can be a great option for those looking to boost their earnings over time.

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Some banks have responded by offering variable rate cds, with interest rates that rise and fall with market conditions. In adjustable rate cds, you can request a rate change based on rising interest rates. Learn about the factors to consider when choosing between the two.

Wondering where to find the best returns

Explore current cd rates from top banks and credit unions and find out how the fed rate cuts could impact you. Usaa certificates of deposit (cds) offer growth at competitive interest rates to help meet your savings goals Learn more about cds, rates and benefits today. For fixed cds, the rate of return stays the same throughout the entire terms of the cd